The Relationship To Borrower Gift Letter is a crucial document in U.S. real estate transactions where part of the down payment or closing costs comes from gifted funds. This document is typically required by mortgage lenders to ensure compliance with lending regulations and to verify the legitimate source of funds. It provides essential information about the gift donor's relationship to the borrower, the amount being gifted, and confirmation that the funds are a genuine gift rather than a loan. The letter helps prevent fraud and ensures transparency in property transactions while meeting requirements set by entities such as the FHA, Fannie Mae, and Freddie Mac.
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1. Date and Location: Current date and location where letter is being executed
2. Donor Information: Full legal name and contact information of person giving the gift
3. Recipient Information: Full legal name and contact information of person receiving the gift
4. Relationship Statement: Clear statement of relationship between donor and recipient
5. Gift Amount: Specific dollar amount being gifted
6. Property Information: Address of property being purchased with gift funds
7. No Repayment Statement: Declaration that the gift does not need to be repaid
1. Source of Funds: Statement detailing where gift funds are coming from, required by some lenders or loan programs
2. Transfer Method: Details of how the funds will be transferred, included when lender requires specific transfer documentation
1. Proof of Funds: Bank statements or other documentation showing availability of gift funds
2. Transfer Documentation: Wire transfer receipts or canceled checks showing transfer of funds
3. Donor ID: Copy of donor's government-issued identification
Relevant legal definitions
Clauses
Declaration of Gift
Relationship Statement
Property Identification
Gift Amount Specification
No Repayment Obligation
Source of Funds
Transfer Method
Verification of Funds
Donor Certification
Recipient Acknowledgment
Occupancy Intent
No Interest in Property
Truth and Accuracy
Compliance with Laws
Signature and Date
Relationship Statement
Property Identification
Gift Amount Specification
No Repayment Obligation
Source of Funds
Transfer Method
Verification of Funds
Donor Certification
Recipient Acknowledgment
Occupancy Intent
No Interest in Property
Truth and Accuracy
Compliance with Laws
Signature and Date
Relevant Industries
Relevant Teams
Relevant Roles
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